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31 Day Reset: Day 23 – Finding Support

I’m participating in the 31 Days to Reset Your Life program at Happy Black Woman. The program is designed to help you evaluate your goals and priorities and think of them in the context of your life today and how you might be able to refocus on what’s important. Read on to learn about my experience with the challenge!

The Day 23 challenge was to find a community of people who would support you and your goals from the 31 Day Reset program or specifically your Reset Project. As my Reset Project focused on finances, this was tough for me. I knew that a step in the right direction would be to sign up on Mint.com, a website I had heard about from several people. The program pulls information from all your financial sites (checking, savings, credit cards, etc) to compile it all, create budgets, help with spending alerts, and the list goes on and on. I know, it sounds scary to give that kind of access, but I haven’t heard anything about it not being secure from anyone I know.

I signed up on the site and forgot for a minute about today’s exercise. I was amazed at the budgeting and organizing I could do on the site. Of course, as it is December, two of my largest expenses besides rent were $650 on gifts and $120 on donations to nonprofits… it will be interesting to take a closer look next month. I remembered today’s assignment and looked for an online community on the site and couldn’t find much. But I did Like them on Facebook and found a lot of activity there, and followed them (and many other similar organizations) on Twitter. I hope through these avenues I can get connected.

Please, if you know of any communities where people in their late twenties might be discussing similar issues, send them my way! I would love to get plugged in and educate myself about becoming more financially literate and secure.

-N.C.

31 Day Reset: Day 22 – Reset Project

I’m participating in the 31 Days to Reset Your Life program at Happy Black Woman. The program is designed to help you evaluate your goals and priorities and think of them in the context of your life today and how you might be able to refocus on what’s important. Read on to learn about my experience with the challenge!

Did you miss me? I’m sorry to say that the holidays just swallowed me up and I didn’t have one second to breathe let alone work on the 31 Day Reset. But I’m back! I’m really going to try hard to get caught up. And I promise I’m going to complete and blog about all 31 days… even if it’s a few days after December 31!

This was a big activity, which is also why I didn’t just do it quickly between latkes and Christmas tree decorating. Rosetta asked us to take a look at our Life Map and identify one area which we wanted to make progress on in the next month. She then outlined a few questions for us to answer about this – our Reset Project.

The hardest part about this for me was identifying which of the seven areas to focus on. I was very torn between Finances and Health. In the end I decided to focus on Finances. Both areas are extremely important, but I figured if this was supposed to be a project I work on in the next couple of years, Finances was frankly an easier and smaller project to take on. With work, school, friends and family, I don’t necessarily have a lot of time to dedicate to outside projects… unfortunately that means health for now.

So here’s what I’ve come up with for Finances!

I feel out of control of my finances. I don’t feel like I completely understand what I’m spending money on. I need to address the fact that I’m not paying off my debts the way I should (and probably could) and the fact that I’m not saving the way I want to. My future depends on my financial security – I can’t do any of the things I envision for my ideal list without money to support it. I want to feel more in control of my money. I want to pay off my debts at a faster rate and feel secure with the amount I have saved.

I hope future days can be spent working on this project! In case we don’t have another dedicated exercise to it, I’ve done one of those emails in the future to myself a month from now to check in. Hopefully I can take some time to outline a plan. Because I feel if I dedicate some time to outlining a plan for it, it could actually happen! And that would be great!

-N.C.